Cheapest Auto Insurance in Woodstock, Georgia (2026)

The cheapest car insurance company in Woodstock is Auto-Owners with an average rate of $74 per month.

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Woodstock, Georgia, sits just north of Atlanta, offering residents both a quick route into the capital and a quiet suburban town where they can escape the hustle and bustle of the city. Whether they’re driving to a Falcons game or making a quick trip to Red Top Mountain State Park, Woodstock drivers pay an average of $161 per month for liability-only car insurance and $230 per month for full coverage.

Although Georgia law only requires liability auto insurance coverage, Woodstock drivers can look to both locally owned companies, like Mountain Lakes Insurance Agency, and nationally known insurance companies, like State Farm, to find a variety of coverage options to suit their needs. Here, you can learn how to compare rates and see what people in Woodstock pay for car insurance.

Quick Facts
  • The cheapest insurers in Woodstock are Auto-Owners, State Farm, and Country Financial.

  • Woodstock’s overall average car insurance rate is $196 per month.

  • Georgia’s new legislation limits how much insurers can increase rates in the state.[1]

3 of the cheapest car insurance companies in Woodstock

Woodstock drivers have dozens of options for car insurance, though not every insurer will meet your needs. Instead of looking solely at price, compare the coverage levels, discounts, and factors like customer service ratings to determine which insurer offers the best overall experience for your needs.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners8.2$140$78Liability-only coverage
State Farm9.3$150$84Rideshare drivers
COUNTRY FinancialN/A$152$85Discounts
Disclaimer: Table data is based on real-time Woodstock quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How Insurify rates insurance companiesexpand/collapse

Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for liability-only coverage: Auto-Owners

User Reviews
4.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$74/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$132/mo
Details
4.4
Best choice in Woodstock, GABased on 311 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options4.23.2
Customer service4.03.6
Discounts3.72.9
Policy transparency4.13.1
Value3.72.9
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

Best in Woodstock for
Cheap rates
Senior drivers
Ample discounts
Showing 5 Georgia reviews for Woodstock driversSee all 169 Auto-Owners reviews
Bob
Verified Review
Why I Want to Change
Too expensive.
William Mark
Verified Review
Average
Very good, except for the premium prices going up considerably.
Leanne
Verified Review
AutoOwners Review: Claim Experience and Premium Increase
AutoOwners has always been a good price option, but after one claim in 20 years, they raised my premium by $50 monthly!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Georgia is one of the limited states that Auto-Owners operates in, allowing Woodstock drivers to receive the lowest average insurance rates available. It has a strong A++ financial rating from AM Best and offers various auto insurance products, including motorcycles, converted vehicles, and classic or antique cars. But it doesn’t have a centralized agent office, so the only way to secure a policy is through a local, independent agent.

Auto-Owners also has a significant number of complaints in Georgia compared to most other states it offers auto insurance in, according to the National Association of Insurance Commissioners (NAIC) consumer complaint index.

Pros
  • Mobile Response Vehicles and storm teams available

  • Highly rated claims service

Cons
  • More NAIC complaints in GA than most states

  • Customers can’t purchase a policy online

Best insurer for rideshare drivers: State Farm

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$79/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$141/mo
Details
4.2
Best choice in Woodstock, GABased on 21,290 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.23.2
Customer service4.43.6
Discounts4.02.9
Policy transparency4.03.1
Value3.92.9
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Woodstock for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Georgia reviews for Woodstock driversSee all 8,214 State Farm reviews
Marylou
Verified Review
Couldn't pay over $300 a month
Not so good. After about three months, my payments went up.
Larry
Verified Review
Watch your policy information. I’ve had times when the agent changed my coverage without my knowledge or consent. I once had to switch agencies because it happened so often.
Watch your policy information. I’ve had times when the agent changed my coverage without my knowledge or consent. I once had to switch agencies because it happened so often.
Diana
Verified Review
State Farm Is Not Transparent or a Good Value
State Farm was terrible, way too expensive, and not transparent about their policies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you’re a rideshare driver in Woodstock, you may benefit from State Farm’s low-cost auto coverage options. It offers basic liability and full-coverage policies at a lower average rate than other Woodstock insurers, and you can easily add transportation network company (TNC) coverage to your policy.

While it does offer a number of coverages to protect your car before, during, and following a rideshare job, State Farm doesn’t offer gap insurance. So Woodstock drivers with brand-new vehicles may be at a higher risk of loss.

Pros
  • Easy-to-add rideshare coverage

  • High AM Best and S&P ratings

Cons
  • Can’t purchase a policy online

  • No gap insurance

Best insurer for discounts: COUNTRY Financial

User Reviews
4.2
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$143/mo
Details
4.2
Best choice in Woodstock, GABased on 65 verified driver reviews and ratings
Country Financial's score
Industry average
Coverage options4.23.2
Customer service4.03.6
Discounts3.82.9
Policy transparency4.03.1
Value3.52.9
How drivers feel about Country Financial

Customers appreciate the prompt claims service and personal touch but are frustrated by the constant rate increases and lack of discounts.

Based on analysis of verified reviews collected by Insurify

Best in Woodstock for
Cheap rates
Good claims process
High customer satisfaction
Showing recent national reviewsSee all 39 Country Financial reviews
Charles
Verified Review
Excellent
Insurance is good; I'm just trying to save some money.
Beverly
Verified Review
It's Bad Business
Unless I call them to request a callback, I never hear from them. They only find discounts for me when I tell them I'm switching companies. My premium goes up every six months with no explanation.
Larry
Verified Review
Good Customer Service, Poor Customer Care From the Company
It’s expensive. While the office staff is great, the company overall seems mostly interested in the money.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

COUNTRY Financial may not be as well-known as other insurers, but its 95-year history and A+ AM Best rating make it a strong contender for Woodstock drivers. Offering rates comparable to other insurers, COUNTRY Financial stands out with its diverse coverages, discounts, and products. Discounts are available for engaged couples, teachers, first responders, and students. But restrictions apply for legacy discounts.

Pros
  • Unique discounts

  • Diverse coverage options

Cons
  • No rideshare insurance in GA

  • Legacy discounts require multiple policies

How to get the cheapest car insurance in Woodstock

Drivers can save money on car insurance and get the cheapest car insurance in Woodstock with a combination of strategies. Whether you commute to Atlanta for work or rarely take your car on I-575, consider these ways to get cheaper car insurance in Georgia:

  • Raise your deductible. Higher deductibles often lead to lower premiums. If you can afford a higher deductible when you file a claim, you can save money on your policy’s premiums.

  • Bundle policies. If you buy auto insurance and another policy with the same insurer, such as home insurance, renters insurance, or life insurance, you can usually get a discount for both policies.

  • Qualify for discounts. Insurers often offer a long list of discounts that drivers can qualify for to save money on car insurance. Discounts include good grades, vehicle safety features, low mileage, pay in full, and more.

  • Reconsider coverage. If you drive an older-model vehicle, consider reducing optional coverages or removing them altogether. The more coverage you have, the more you pay for car insurance.

Keep in Mind

Multiple factors influence your rates, like your long-term driving record and the number of miles you drive each year. Talk to your insurer to discover ways you can save specific to your driving habits and coverage needs.

Find Car Insurance in Woodstock, Georgia

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Cheapest liability-only car insurance in Woodstock: Auto-Owners

Liability car insurance covers the injuries and damages you cause another car or person in an at-fault accident. Georgia law requires liability insurance coverage, and all drivers must meet a specific level of bodily and property liability insurance. This coverage doesn’t pay for damages that you cause to yourself, your passengers, or your vehicle.

Liability-only policies in Woodstock cost $161 per month, on average. Here’s a look at the cheapest liability-only car insurance companies in Woodstock.

The below rates in Woodstock, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Average Monthly Quote
Auto-Owners$74
State Farm$79
Country Financial$80
Mile Auto$86
Progressive$90
USAA$92
Mercury$121
Root$132
Bristol West$133
GEICO$134
Clearcover$139
GAINSCO$145
Allstate$147
AssuranceAmerica$148
Direct Auto$148
The General$150
Safeco$163
National General$166
Trexis One$167
Mendota$175
First Acceptance$178
Insurify Car$180
Trexis$180
Excepsure$188
Hugo$258
Liberty Mutual$289
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Woodstock: Auto-Owners

Whereas liability insurance is a state requirement and covers the damages or injuries you cause others, full-coverage car insurance is optional and covers your vehicle’s damages and possibly your and your passengers’ injuries, regardless of fault.

Full-coverage insurance doesn’t have a set definition, though most insurers design this policy with a combination of liability, comprehensive, and collision coverages. Woodstock drivers who want coverage in the event of losing control of their vehicle, such as on the dangerous curves of Dupree Road, may want to add full coverage to their policy.

Drivers in Woodstock pay an average of $230 per month for full-coverage insurance. Here are the cheapest full-coverage car insurance companies in Woodstock.[2]

The below rates in Woodstock, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Average Monthly Quote
Auto-Owners$132
State Farm$141
Country Financial$143
Mile Auto$155
USAA$166
Progressive$179
Root$201
Mercury$204
Safeco$217
AssuranceAmerica$236
GEICO$240
Allstate$253
Bristol West$255
Clearcover$255
Direct Auto$255
National General$263
GAINSCO$299
Trexis One$318
The General$319
Mendota$321
Liberty Mutual$351
Trexis$351
First Acceptance$352
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.

Recent Insurify quotes for Woodstock, Georgia drivers

Recent Woodstock, Georgia car insurance prices for KIA, Subaru, Nissan, and more.

*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on October 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Woodstock, Georgia within the last 10 days. Last updated on October 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Georgia

Georgia is an at-fault state, and the basic coverages the state requires are property damage liability insurance and bodily injury liability insurance.

Here are Georgia’s minimum requirements for liability insurance:[2]

Coverage
Minimum Requirements
Bodily injury liability$25,000 per person
$50,000 per incident
Property damage liability$25,000 per incident

People in Woodstock can drive legally with only the minimum insurance requirements, but many choose not to because liability-only coverage doesn’t cover all types of damage. You may want to consider purchasing optional coverages for your policy, such as:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist coverage

    Uninsured motorist coverage pays for damages and injuries you sustain from an at-fault driver without the proper insurance coverage.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage covers vehicle damages when your car collides with an object or another driver, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damages from events other than collisions, such as vandalism, theft, fire, falling objects, and severe weather.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for you and your passengers’ medical and funeral expenses resulting from a car accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This covers rental car expenses while your vehicle is in the shop for covered repairs.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Towing and labor coverage

    This covers costs for towing and roadside assistance when your car breaks down.

Georgia House Bill 221

In May 2023, Georgia Gov. Brian Kemp signed legislation to provide the Insurance and Safety Fire Commissioner the power to review all car insurance rate filings before they go into effect.

This new policy went into effect on July 1, 2023, and prevents insurers from taking advantage of drivers via a loophole that allowed them to raise car insurance rates as much as 25% during a single filing.[1]

Cheapest car insurance for drivers with an incident

Although Woodstock is just over 12 square miles in size, you can encounter a number of insurance-raising incidents in such a small area. These incidents can be speeding tickets and moving violations, at-fault accidents, and driving under the influence (DUI) convictions. Essentially, if it can cost your insurer money, it can result in an increased premium.

Shop for Car Insurance in Woodstock, GA

Monthly rates start at $94 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

Check your speedometer when you’re driving through Woodstock, and any other city in Georgia. The state assesses extra charges for drivers exceeding 75 to 85 mph on certain state roadways.[3]

Keep in mind that you don’t need to exceed the speed limit by very much to receive a speeding ticket. Even going a few miles over the speed limit is enough. Along with the penalty the officer assesses, your insurer may also increase your premium since speeding is a common factor in car accidents. The average cost of car insurance for drivers with a speeding ticket in Woodstock is $288 per month for full coverage and $201 for liability only.

The table below shows the cheapest auto insurers in Woodstock for drivers with a speeding ticket on their records.

The below rates in Woodstock, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners$74$96
State Farm$79$100
Mile Auto$86$104
Country Financial$80$107
Progressive$90$113
USAA$92$118
Root$132$157
Mercury$121$167
Bristol West$133$168
GAINSCO$145$174
GEICO$134$175
Clearcover$139$176
Allstate$147$184
Direct Auto$148$186
AssuranceAmerica$148$188
The General$150$201
National General$166$207
Trexis One$167$209
Safeco$163$214
Mendota$175$219
First Acceptance$178$223
Insurify Car$180$225
Trexis$180$225
Excepsure$188$235
Hugo$258$323
Liberty Mutual$289$368
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Auto-Owners

Car accidents are serious problems in Georgia; they’re a leading cause of death and hospitalizations in the state. Some yearly fatality rates in Georgia have even exceeded those in nearly all other states. But a car accident doesn’t need to be serious to lead to a policy rate increase.[4]

Even if you’re involved in an injury-free fender bender or mistakenly back into a telephone pole, this could lead to an increase in your premiums. The more often your insurer has to pay out a claim, the more likely it is to raise your rates to compensate for losses. In Woodstock, the average cost of car insurance for drivers with an accident is $317 per month for full coverage and $222 for liability only.

Here’s a look at the cheapest car insurance companies for drivers with an at-fault accident on their records in Woodstock.

The below rates in Woodstock, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Clean Driving Record
With Accident
Auto-Owners$74$101
State Farm$79$107
Country Financial$80$112
Mile Auto$86$119
Progressive$90$124
USAA$92$127
Root$132$169
Bristol West$133$180
GEICO$134$182
Mercury$121$183
GAINSCO$145$190
AssuranceAmerica$148$201
Clearcover$139$201
Allstate$147$202
Direct Auto$148$206
The General$150$210
National General$166$225
Trexis One$167$230
Safeco$163$231
Mendota$175$241
First Acceptance$178$245
Insurify Car$180$248
Trexis$180$248
Excepsure$188$259
Hugo$258$355
Liberty Mutual$289$393
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Auto-Owners

Between 2017 and 2020, 1,626 Cherokee County drivers had their first DUI conviction, and 244 had a second or third DUI conviction, while 806 received either an administrative license suspension or an implied consent suspension.[5]

Hundreds of people in Georgia die during alcohol-related car crashes per year, which sometimes account for as much as one-fourth of all crash fatalities.[6] Drinking and driving, even when no accident occurs, is still a risky driving behavior that could cause injury or damage. Insurers often penalize DUI-convicted drivers with higher rates. Woodstock drivers pay an average of $281 per month for full coverage and $196 for liability only after a DUI conviction.

Here’s a look at the most affordable car insurance companies for drivers with a DUI in Woodstock.

The below rates in Woodstock, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Clean Driving Record
With DUI
Auto-Owners$74$93
Country Financial$80$103
State Farm$79$105
Progressive$90$110
Mile Auto$86$114
USAA$92$122
Mercury$121$171
Root$132$175
Bristol West$133$176
Clearcover$139$178
GEICO$134$179
Allstate$147$179
GAINSCO$145$192
The General$150$193
AssuranceAmerica$148$196
Direct Auto$148$196
Trexis One$167$204
Mendota$175$214
First Acceptance$178$217
Insurify Car$180$220
Trexis$180$220
National General$166$220
Excepsure$188$229
Safeco$163$241
Hugo$258$315
Liberty Mutual$289$383
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Auto-Owners

Average car insurance rates usually decrease when adults near age 35 because their years of experience and potentially low claim rate demonstrate safe driving habits. But rates tend to rise around 70, as senior drivers have an increased likelihood of accidents due to declining health and medication use.[7]

The average cost of car insurance for senior drivers in Woodstock is $205 per month for full coverage and $143 for liability only. Senior drivers tend to pay lower-than-average premiums compared to many other driving age groups, so seniors can still find affordable coverage, starting with the insurers below.

The below rates in Woodstock, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Liability Only
Full Coverage
Auto-Owners$49$88
State Farm$50$90
Country Financial$52$94
Mile Auto$60$108
USAA$66$119
Progressive$78$154
Mercury$83$140
GEICO$90$161
Bristol West$100$192
AssuranceAmerica$105$167
Direct Auto$109$188
National General$113$178
Clearcover$118$217
The General$119$253
GAINSCO$119$246
Root$124$189
Allstate$127$218
Safeco$133$178
Trexis One$144$274
Mendota$151$277
First Acceptance$153$303
Trexis$155$302
Liberty Mutual$211$257
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

Teenage drivers ages 16 to 19 have a fatal crash rate nearly three times as high as drivers 20 and older.[8] Teens lack the experience and developed reaction times that many adults have. Add in their overconfidence, increased distractions, and peer pressure, and it may further increase their likelihood of getting into an accident.

Although this generally leads to higher rates, young drivers could try to reduce their premiums as much as possible by staying on their parents’ insurance plan, driving a vehicle with insurer-approved safety features, and searching for eligible discounts, like good student and defensive driving programs. Teen drivers in Woodstock pay an average of $400 per month for full coverage and $280 for liability only.

Here are the cheapest car insurance companies in Woodstock for teens and young adults.

The below rates in Woodstock, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
Insurance Company
Liability Only
Full Coverage
Country Financial$122$218
Auto-Owners$145$259
State Farm$148$265
Progressive$157$311
USAA$163$295
Mile Auto$172$310
Root$193$294
Mercury$214$361
Clearcover$220$404
Bristol West$228$438
GEICO$236$423
GAINSCO$246$508
Allstate$256$440
The General$263$560
Direct Auto$281$484
Trexis One$290$553
AssuranceAmerica$298$475
Mendota$304$558
First Acceptance$310$612
Trexis$313$610
National General$320$506
Safeco$325$433
Liberty Mutual$491$597
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.

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Woodstock car insurance quotes by credit tier

Many companies in Georgia, including auto insurers, can check your credit history and use the information to determine if you’re eligible for a policy and what the rate should be.[9] This is just one of many factors insurers use, but drivers with poor credit typically pay higher premiums than drivers with excellent or good credit.

Rates by Credit Tier

Category
Price
Excellent $215
Good$254
Fair $279
Poor $432

Is car insurance more expensive in Woodstock?

Compared to the national average, car insurance is more expensive in Woodstock. The average cost of car insurance in the city is $161 per month for liability-only car insurance and $230 per month for full coverage, while the national averages are $99 and $187, respectively.

But average monthly premiums in Woodstock are very close to the state averages — car insurance in Georgia costs $157 per month for liability insurance and $259 per month for full coverage.

Car insurance in Woodstock is cheaper, on average, than in many other Georgia cities. This could be because Woodstock has fewer residents and fewer reported car crashes. For instance, the city of Marietta reported more than 4,500 car crashes in 2022, while Woodstock reported a little more than 1,400.[10]

More cities in Georgia

Here’s how Woodstock’s average full-coverage car insurance quote compares to quotes in other Georgia cities.

The below rates in Woodstock, GA, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 
City
Average Monthly Quote
La Fayette$126
Elberton$133
Chickamauga$135
Hartwell$135
Dalton$136
Chatsworth$137
Baxley$138
Waycross$138
Rossville$140
Valdosta$140
Toccoa$141
Eastman$144
Ringgold$144
Tifton$144
Ellijay$145
Hazlehurst$145
Moultrie$145
Brunswick$146
Blackshear$148
Kingsland$148
Sylvania$149
Douglas$150
Adairsville$153
Perry$153
Tunnel Hill$153
Thomson$155
Jesup$156
Thomasville$158
Cleveland$159
Calhoun$161
Waynesboro$161
Dahlonega$163
Jasper$163
Americus$165
Summerville$165
Dawsonville$167
Eatonton$167
Commerce$168
Athens$169
Cedartown$169
Dublin$172
Evans$172
Cordele$173
Grovetown$174
Canton$175
Flowery Branch$175
Richmond Hill$175
Hinesville$176
Leesburg$176
Lula$176
Rome$176
Statesboro$176
Byron$177
Peachtree City$178
Rincon$178
Sharpsburg$178
Columbus$179
Albany$181
Tallapoosa$182
Augusta$184
Hephzibah$184
Lagrange$184
Fort Valley$185
Jefferson$185
Montezuma$185
Gainesville$186
Rockmart$186
Thomaston$186
Cartersville$187
Hoschton$187
Hull$188
Milledgeville$188
Warner Robins$188
Franklin$189
Cumming$190
Winder$190
Newnan$191
Carrollton$192
Guyton$194
Acworth$195
Alpharetta$196
Bremen$196
Barnesville$197
Jackson$198
Pooler$199
Temple$199
Braselton$202
Monroe$202
Kennesaw$204
Port Wentworth$208
Savannah$212
Villa Rica$212
Bethlehem$213
Griffin$213
Hiram$215
Buford$217
Roswell$217
Auburn$221
Fayetteville$221
Smyrna$225
Dacula$226
Marietta$226
Suwanee$227
Dallas$229
Oxford$229
Macon$232
Locust Grove$233
Peachtree Corners$234
Mableton$237
Lithia Springs$238
Lawrenceville$240
Loganville$241
Tucker$242
Douglasville$243
Duluth$245
Powder Springs$245
Mcdonough$246
Norcross$246
Lilburn$249
Grayson$251
Hampton$254
Snellville$259
Stockbridge$259
Conyers$263
Covington$264
Conley$267
Austell$268
Fairburn$268
Atlanta$270
Jonesboro$273
Ellenwood$279
Rex$280
Morrow$281
Union City$282
Forest Park$292
Riverdale$298
Stone Mountain$308
Decatur$313
Clarkston$318
Lithonia$320
Disclaimer: Table data sourced from real-time Woodstock car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Woodstock may vary based on the policy buyer's unique driver profile.

Woodstock car insurance FAQs

Learn why car insurance rates are increasing, and check out Insurify’s answers to common questions about Woodstock car insurance.

How much is car insurance in Woodstock?

The average cost of car insurance in Woodstock is $161 per month for liability-only car insurance and $230 per month for full coverage.

Which companies have the cheapest car insurance in Woodstock?

Auto-Owners has the cheapest car insurance in Woodstock, with a monthly liability-only rate of $74. Other affordable insurers include State Farm and Country Financial, with liability rates of $79 and $80 per month, respectively. Finding the cheapest car insurance company for you will depend on many factors, including your age, gender, vehicle, ZIP code, and driving record.

What are the best car insurance companies in Woodstock?

Some of the best car insurance companies in Woodstock include Auto-Owners, State Farm, and COUNTRY Financial. These insurance companies have high Insurify Quality (IQ) Scores, solid AM Best ratings, and plenty of coverage options for drivers to choose from.

But the best insurer for you depends on your coverage needs and budget. Compare car insurance quotes from different companies to see which one offers the best price for the coverage you need.

What factors influence the cost of your car insurance in Woodstock, GA?

Factors outside of your control that influence the cost of your car insurance in Woodstock include the city’s accident and car theft rates, the number of claims in the area, and your age. However, factors in your control are your driving record, credit history, vehicle type, and coverage options.

How much car insurance do you need in Georgia?

Georgia requires 25/50/25 minimum liability limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[2]

Sources

  1. Georgia Office of Insurance and Safety Fire Commissioner. "Governor Kemp Signs Legislation Giving Insurance Commissioner More Authority Over Auto Rates."
  2. Georgia Office of Insurance and Safety Fire Commissioner. "Auto Insurance."
  3. State of Georgia. "Pay a Super Speeder Fine."
  4. Georgia Department of Public Health. "Motor Vehicle Crashes."
  5. Georgia Department of Driver Services. "DUI Data Reports."
  6. Governor's Office of Highway Safety in Georgia. "Impaired Driving."
  7. III. "Senior driving safety and insurance tips."
  8. Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
  9. Georgia Attorney General's Consumer Protection Division. "Credit and Debt."
  10. Georgia Department of Transportation. "Georgia Crash Data."

Methodology

Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible
Nick Dauk
Writer: Nick DaukInsurance Writer

Qualifications:
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible


In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

Courtney Mikulski
Editor: Courtney MikulskiSenior Editor, Auto

Qualifications:
  • Over 3 years of experience producing content on insurance and personal finance.

  • Key architect of Insurify's quality score.


Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.

MacKenzie Korris
Reviewer: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor

Qualifications:
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969


MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.